A Study On The Transformation Of Retail Outlets Of China Agricultural Bank Suzhou Branch

Since 1996, the market-oriented reform of interest rates continue to advance, money market, bond market interest rates, domestic and foreign currency deposit and lending rates, loan interest rates have been achieved in the market-oriented, while the deposit interest rate market is also growing, profits tend core assessment retail business is gradually becoming an important strategic direction for the transformation of the domestic commercial banks, retail banking as one of the most important channels of banking outlets, its operational efficiency and service capabilities increasingly become the core competitiveness of retail banking development, but our banks the construction of retail outlets in terms of experience, technology or product, services and world-class retail banks have a larger gap. Retail banking business to become the basis of the transformation, the transformation of the retail outlets of research necessary and urgent.In this paper, based on the analysis of the status quo in Suzhou Branch of Agricultural Bank of retail outlets and proposed a series of ideas and network transformation program. From optimizing network classification, functional area and job settings, operational efficiency, marketing services, optimize network performance management, network optimization and cultural aspects of the construction of six multi-angle comprehensive strategies and procedures set forth in Suzhou Agricultural Bank branch network transformation, and the transformation of the results implementation Evaluation extract achievements and shortcomings and think about how to optimize the retail outlets to further deepen the transformation of the Agricultural Bank branch in Suzhou, continued to improve operational efficiency and customer to expand production capacity in order to achieve " to enhance the competitiveness of the network, improve customer satisfaction," the strategic objectives. At the same time hope this article will provide useful lessons for other retail outlets restructuring of commercial banks.